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IRS Free File 2026 opens for eligible taxpayers earning $89K or less

Skip the stress and costs of tax season. The IRS just launched Free File for millions—here’s how to claim your no-fee return before April 15.

The image shows a graph depicting the average federal tax rates by before-tax income group from...
The image shows a graph depicting the average federal tax rates by before-tax income group from 1979 to 2013. The graph is accompanied by text that provides further information about the data.

IRS Free File 2026 opens for eligible taxpayers earning $89K or less

The 2026 tax season is now underway, with the IRS Free File program available for eligible taxpayers. Those earning $89,000 or less in 2025 can file their federal returns at no cost through participating private companies. The filing deadline remains set for April 15.

Starting immediately, taxpayers with an adjusted gross income (AGI) of $89,000 or below can access guided tax software from eight private firms. Each company sets its own rules, which may include factors like age, state residency, or military service. Some providers also offer free state tax return preparation alongside federal filing.

For those earning above $89,000, the IRS will open Free File Fillable Forms on January 26. These forms allow manual entry but do not include guided assistance. No fully free guided programs from private companies—such as TurboTax—exist for 2026, as most charge fees after initial previews.

To use Free File, taxpayers must gather key details: their Social Security number or ITIN, bank account information, 2025 AGI and refund amount (if applicable), and current address. Tax credits, including the earned income tax credit and enhanced adoption credit, can further reduce tax bills by directly lowering owed amounts.

The IRS Free File program provides a no-cost option for millions of eligible taxpayers this year. With guided software available for lower incomes and fillable forms for higher earners, the April 15 deadline applies to all. Taxpayers should check each provider’s requirements before starting their return.

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